Federal law generally prohibits health insurance companies from using your genetic information against you.
Under the Genetic Information Nondiscrimination Act of 2008 ("GINA"), it is illegal for health insurance companies and group health plans to discriminate against you based on your genetic information–including genetic information generated or obtained from your participation in the In Our DNA SC study. GINA prohibits health insurers from requiring you to provide them with your genetic information or the genetic information of your family members as a condition of coverage, or from using such genetic information to make eligibility, coverage, underwriting, or pricing decisions. In other words, GINA prohibits health insurers from requesting your genetic information, refusing coverage based on your genetic information, or from charging you more based on your genetic information.
In addition, the Affordable Care Act of 2010 ("ACA") prohibits health insurance companies from refusing to cover you or from charging you more simply because you have a "pre-existing condition." To the extent your participation in the study leads to the eventual diagnosis of any particular condition (as opposed to simply a genetic predisposition to such a condition), the ACA prohibits eligibility and pricing discrimination based on that diagnosis.
Please note that the protections afforded by GINA and the ACA do not extend to other forms of insurance, including life insurance, long-term care insurance, or disability insurance. In addition, GINA's protections do not apply to active members of the U.S. military, individuals insured through Federal Employees Health Benefits Plans, and individuals receiving health-related services through the Veterans Administration or Indian Health Service. However, individuals in each of these groups are similarly protected under several other laws and regulations.